Tag Archives: PruFlexiMed

Education Plan RM200 sebulan

dipetik dari sharing seorang Ejen di Prudential.

 

 

Seorang prospek ini beritahu yang dia baru sahaja beli satu polisi Education Plan untuk anaknya bernilai RM200.

Saya tanyakan, apa yang Tuan faham tentang Education Plan?

Katanya sebab ada bonus kecemerlangan akademik.

Saya ceritakan tentang kos pendidikan untuk 10 – 15 tahun akan datang padanya. Saya tunjukkan figure dibawah, dia terkejut.

Education Plan adalah bagaimana kita menjana wang untuk membiayai kos pendidikan anak-anak dimasa hadapan.

Saya tunjukkan “Hybrid Education Plan”, beliau angguk dan minta untuk berfikir.

Takaful/Insuran bukan gebang claim tunjuk cek.

Takaful/Insuran adalah BAGAIMANA kita memastikan pelanggan terhindar dari MUSIBAH kewangan jika mereka meninggal dunia, hilang upaya kekal dan bertarung nyawa dengan sakit kritikal dan bilamana hasrat seorang bapa untuk memberikan pendidikan terbaik pada anaknya terlaksana walau beliau tiada……….

 

Kos Pendidikan

Ingin merancang plan pendidikan untuk anak anda?

Bertindaklah sekarang dengan menghubungi 012-223 4676 atau 012-273 6836 untuk penerangan lebih lanjut.

Introducing Pru Flexi Med!

PruFlexi Med Schedule of Benefits

Hot off the shelf, Prudential recently launched its latest medical rider, PruFlexi Med, that can be attached to PruLink One or PruLife Ready investment-linked policies. PruFlexi Med is another alternative medical plan to the existing PruHealth medical rider. In fact, both PruHealth and PruFlexi Med are pretty similar in terms of coverage.

So, what is PruFlexi Med medical rider all about? The list below briefly summarize the features of this new medical rider:

  1. Highly customizable medical plan to suit your medical needs – in terms of the daily room & board rate and annual limit.
  2. No co-insurance, but can opt for zero or RM300 deductible.
  3. No more 10%┬ápayment/penalty if exceed room & board (R & B)┬árate – if you stay in the room with higher than your R & B rate, you only need to top up the difference. If you stay in a room with lower R & B rate, Prudential will reimburse you the difference.
  4. Lifetime limit = 20x annual limit.
  5. If compared to PruHealth, PruFlexi Med has higher ICU coverage (60d) and pre-hospitalization treatment days (90d).

Simplified as below:

Schedule of Benefits: PruFlexi Med
. Type of medical plan: ILP Medical Rider
. Room rate: To be decided on purchase.
Min: 100/d (can increase multiple of 50/d)
Max: 400/d
. Room & Board (R & B) (days) 120
. ICU (days) 60
. Pre-hospitalization Treatment (days) 90
. Post-hospitalization Treatment (days) 90
. Emergency Accidental Out-patient Limit 2% of annual limit
. Emergency Accidental Out-patient (days) Subject to annual limit
. Home Nursing Care 180 days/lifetime. As charged.
. Kidney Dialysis As charged
. Cancer Treatment As charged
. Miscellaneous Highly customizable plan.

If you stay in a room with lower R & B rate, the difference will be refunded to you.

If you stay in a room with higher R & B rate, you just have to pay the difference.

. Annual Limit Min: 50,000 (can increase multiple of 10,000)
Max: 200,000
. Lifetime Limit 20x annual limit
. Co-insurance No co-insurance, but can opt for zero or 300 deductible